Features and Fees
Visa Gold credit card gives you the convenience, flexibility and security wherever you use it.
With it you have a higher transaction and credit limits and additional benefits.
As a holder of Visa Gold card you can take advantage of the special offers of Premium programme Visa Luxury Hotel Collection of Visa Europe - a selection of exclusive benefits and discounts in chain hotels, as well as suggestions for cruises and exotic trips, that will make your travels more pleasant.
Minimum net monthly income
1000 BGN
Credit limit
From 5000 BGN up to 60,000 BGN
Currency
BGN, EUR
Time limit for issuing
5 working days for standard
within 48 hours for express orders
Credit limit validity
2 years
Card validity
4 years
Interest rate
1.60 % monthly calculated on the basis of the utilized but not repaid part of the credit limit
Annual fee
50 EUR
Annual expense ratio
25.58 % at used credit limit of 5000 BGN restored for 1 year
Minimum repayment amount
3% of the approved credit limit
Grace period
Up to 45 days for purchases at POS terminal
Due date
From 1st to 15th of the month
Coverage
International
Discounts and boutique offers
-
Advantages and discounts with programme Visa Luxury Hotel Collection of Visa Europe
-
Special premium offers from Visa for your private and business trips
Additional card
Yes, according to the tariff
Functionality
Chip and magnetic stripe
Preferential and special programmes
-
Free Insurance
-
Automatic and free of charge activated service Secure payments on the Internet
-
Programme PLUS
Liabilities repayment
- Direct debit - automatic repayment of a minimum repayment amount and all credit card liabilities from other bank accounts
- Mobile or online banking - repayment of a minimum repayment amount or larger amounts directly to the card account
- Installments at ATM - with cash deposit to a credit card account
- At cashier in the bank branch to a credit card account
24/7 customer service center
In emergency situations or when you need to check your card balance
Statements and notifications
- Free of charge monthly statement of account via e-mail
- Free of charge SMS reminder and e-mail 5 days prior to the date of the amount due and 3 days afterwards
View the full Tariff, as well as the General terms and conditions
Parameters |
Value |
|
---|---|---|
Issuing |
Free of charge |
|
Express issuing/re-issuing |
50 EUR |
|
Re-issuing after on the expiry date |
Free of charge |
|
Re-issuing before the expiry date |
10 EUR |
|
Annual service fee of a main card |
50 EUR |
|
Annual service fee of the additional card |
35 EUR |
|
Change of the card parameters |
5 EUR |
|
Additional card |
Yes |
|
Benefits and package programmes |
Free of charge Virtual PIN |
Parameters |
Value |
---|---|
Payment in merchant outlets in the Internet, in Bulgaria |
No fee |
Payment of goods and services in the Internet, abroad |
0.50 BGN |
Withdrawing cash from ATM: |
|
of the bank |
1,50% + 1.50 EUR |
of another bank in Bulgaria |
2,50% + 4 EUR |
abroad |
3% + 4 EUR |
Balance inquiry at ATM in Bulgaria |
0.50 BGN |
Transactions in the systems ePay.bg/B-pay |
0.20 BGN |
Cash withdrawal at POS terminal: |
|
in branch of the bank |
1% + 3 EUR |
of another bank in Bulgaria |
2,50% + 3.50 EUR |
abroad |
3% + 4 EUR |
Upon performing a bank card transaction on a real or virtual device abroad in a currency different from the currency of the card account, the transaction amount shall be converted in an amount for sending the financial output of the executed transaction from the Acquiring Bank of the merchant that has accepted the payment to the Card Issuing Bank at the exchange rate of the International Card Organization (ICO), VISA or Mastercard applied on the day of sending. UniCredit Bulbank AD shall book the transaction on the Client’s account where the sent amount debiting the Client’s account shall be converted in an amount in the currency of the account at the respective buy/sell exchange rate of UniCredit Bulbank AD applied on the day of booking the transaction (which may be different from the day of sending the payment). The currency of the amount of the sent payment transaction is USD (for payments made in US dollars) and EUR (for all other payments). UniCredit Bulbank AD does not apply any additional fees in case of revaluation of the bank card transactions.
Parameters |
Value |
---|---|
Payment at POS terminal at a commercial outlets |
15 000 BGN for 1 transaction 20 000 BGN for 24 hours 50 000 BGN for 7 days |
Cash withdrawals from ATM and from POS at bank branch in Bulgaria |
6 000 BGN for 1 transaction 8 000 BGN for 24 hours 20 000 BGN for 7 days |
Cash withdrawals from ATM and from POS at bank branch abroad |
2 000 BGN for 1 transaction 4 000 BGN for 24 hours 12 000 BGN for 7 days |
Total number of payments within a period |
40 for 24 hours 120 for 7 days |
Card activation
The card activation process is now much faster and easier. Once you have your bank card, you can activate it yourself by changing your original PIN at UniCredit Bulbank’s ATM or all other ATMs with the logo of BORICA AD*.
*Activation of a card and change of PIN code is possible only at ATMs in Bulgaria!
Application of the Card
- Contactless payments – quick, easy and secure payment with only one move without a requirement to enter PIN for card purchases up to BGN 100 in merchant outlets in the country marked with the contactless payment symbol.
- Booking and rental services - cars or airline tickets and hotels
- Payment of products and services offered in merchant outlets at POS terminal in the country and abroad
- Collection points and payments with points at merchant outlets involved in PLUS Programme; Cash withdrawals at ATM and POS terminal in any bank branch
- Payment of monthly bills for electricity, central heating, phone and other services offered in the Internet through the ePay.bg system (the transaction can be executed after a registration at an ATM)
- Payment of bills and services from an ATM in Bulgaria through the B-Pay system
- Account balance, PIN change and information on the last five transactions only at ATMs in Bulgaria
- In case of contactless payments abroad the payment amount below which PIN is not required is different and is determined by the Bank which services the terminal and by the international card organisations (ICO). For example, in Europe the average payment limit below which no PIN is required is EUR 50.
How to Apply
Required documents and terms
- Minimum net monthly income BGN 1,000
- Client’s ID card
- Income other than employment relationship or without income transfer to bank account evidence
- Foreigners should a resident permit for Bulgaria
- Application form for credit card when visiting UniCredit Bulbank branches
Apply for your Visa Gold
Online
Fill in the online form and our consultant will contact you.
In branch of the bank
Apply for the card in any bank branch.
Through the online and mobile banking
Security tips
Take care of your financial security by following a few simple rules when using your card.
Additional Card Services
Other credit card offers

Bulbank Mobile
Open an account and manage your funds using your smartphone without visiting a branch.